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Stanwood WA Auto Insurance [FAQ]
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You Don’t Want Vehicle Insurance… Up Until You Do
#AccidentsHappen

We write car insurance coverage for Stanwood residents and lots of it. If you need to get the best auto insurance coverage at a low-price, what would you do? Relax, inexpensive auto insurance coverage is our niche. Let us be your insurance shopper. We will get you protected immediately with instant proof of insurance coverage so you can drive safe.

If you have a no-insurance ticket, our team can get you insured before you go to court so that you can drive lawfully and perhaps get your court fine minimized. Our agency serves for Stanwood and all of Snohomish County and we are the general car insurance experts. Regardless of where you are driving in the state, farm, city, or on the freeway insurance is essential. Merely get yourself insured today!

Choose the protection you need at a rate you can manage. We focus on representing the progressive insurers that have the very best prices for normal american family car owners in Stanwood.

Check Out Our Reviews

Worried about who to depend on to manage your insurance coverage needs? Have a look at the terrific Google Reviews left by our customers. Can 1300+ people be wrong? When you’re ready to get your car insurance started, talk to us for a quick and complimentary insurance quote. A normal vehicle quote from Mid-Columbia Insurance is more affordable than All State Farm Ers.

Vehicle insurance Stanwood
Car & Truck insurance Stanwood

Are you required to have cars and truck insurance in Stanwood Washington?

Washington state expects a driver in Stanwood to be able to display financial responsibility either by having car insurance or by pledging $60,000 by bond or Certificate of Deposit according to the Washington State Department of Licensing. We can help you with the vehicle insurance coverage.

What is the fine for driving without vehicle insurance in Stanwood Washington?

The fine for operating a automobile or motorcycle in Stanwood without insurance can be as much as $550. If you are without insurance coverage and are found at-fault in a wreck, you could have your license revoked for approximately 3 years and be expected to submit an SR22 to get your license reinstated.

What is the most affordable vehicle insurance?

The least expensive vehicle insurance you can acquire is basic liability protection. This covers any damage you trigger to somebody else up to your policy limits. It is the minimum protection Washington state authorizes. We always recommend more coverage but the option is yours.
Auto insurance Stanwood

Who has the most inexpensive vehicle insurance coverage?

The most affordable car insurance coverage depends on a number of ‘responsibility’ factors and just how much each insurance company weights each factor.

  • If your driving record is spotless, you have good credit, and you have actually paid for greater liability limits for a a few years, Safeco or Progressive will more than likely offer the very best rates for you.
  • If your driving record is clear however you do not currently have insurance or have just been bring the state minimum, Progressive or National General will probably have the best prices for you.
  • If you have actually picked up a couple tickets or had a crash, National General or Dairyland will probably have the best rates for you.
  • If you have had more than 2 accidents or are receiving tickets like they are Pokemon, then Kemper Specialty and The General will most likely have the best price for you.

Among the benefits of partnering with an independent agent is we have multiple insurance companies and can shop your insurance for you and get you the very best rate possible.

Do I actually need to carry vehicle insurance?

Vehicle insurance coverage can be expensive, so you may ask yourself if you really require it. Washington state does call for you to carry a minimum amount of liability insurance for a good reason. And, believe it or not, it is not to make insurers abundant. But is insurance coverage really necessary?

According to the National Highway Traffic Safety Administration (NHTSA), in 2016 an approximated 7,277,000 police-reported traffic wrecks happened and 3,144,000 individuals were hurt in those collisions and 37,461 people were killed, approximately 102 people each day, one death every 14 minutes.

Another word for “liable” is “responsible.” So, if you are responsible for traffic collision, you need responsibility insurance aka liability insurance in order to provide monetary relief to the victims of the mishap.

Try to imagine a country without car insurance coverage. Each time you took a drive, you would be risking your bank account and your future earnings. Insurance is designed to help secure you from pricey and in some cases devastating surprises including legal costs if you are taken to court due to a crash.

The benefit of excellent insurance coverage is just shown when you need it most. To put it simply, you do not need insurance coverage … till you do. #AccidentsHappen

5 Reasons You Need Car Insurance Coverage

  1. Secure your home, savings accounts, and other possessions from a lawsuit
  2. Take care of medical expenses for you and your passengers after an accident
  3. Safeguard the investment you have in your car or truck
  4. Cover you, your guests, and your auto if struck by an uninsured driver
  5. Save a lot of money later on by spending a bit right now

So, do you really need car or truck insurance coverage? Only if you want to safeguard your possessions and drive legally. Your other choice is to get friendly with your neighborhood bus or uber driver.

What are the Washington vehicle insurance coverage rules?

Washington state expects all drivers to carry a minimal amount of liability insurance coverage to lawfully operate a vehicle in the state. You are required by the Financial Liability Law to be able to provide evidence of financial responsibility if you are driving a car. The easiest way to fulfill these requirements is to purchase auto insurance coverage.

The minimum vehicle insurance coverage required in Washington state is as follows:

  • Bodily Injury Liability Protection: $25,000 per person and $50,000 per accident
  • Property Damage Liability Coverage: $10,000 per accident

Personal Injury Protection and Uninsured Motorist protections must be offered by the insurance company but the law allows you to refuse them by signing a rejection form.

Not only must you have insurance, but the law also demands that whenever you are operating a vehicle in the state, you must have the ability to show your proof of car insurance coverage to the police.

Failure to display evidence of coverage when asked for by a law enforcement officer is considered a violation and can lead to penalties of approximately $550.

Vehicle insurance Stanwood

Can I get Vehicle insurance coverage without a drivers license?

You can obtain car insurance even when you don’t have a driver license. Somebody may question why someone would want to but there are a number of good reasons someone might want to, all involving securing themselves and their stuff.

  • You have a foreign drivers license and are visiting the United States.
  • Your license is suspended, you most likely want to get insurance and an SR22 filing so you can get your license back.
  • You’re attempting to get your license and require practice with your learner’s permit prior to taking the driving test.
  • You don’t operate a vehicle for health factors but you own a car and a family members or a caregiver drives for you.
  • You do not drive but you have a teenager who wishes to drive however you have to buy the vehicle in your name since they are underage.

In all these situations and more we can help you in getting insurance even if don’t have a driver license.

You are not lawfully obligated to have a driver license in order to purchase automobile insurance coverage however most of the big-name insurance providers, like Allstate, American Family, GEICO, and State Farm, may not insure you without a driver’s’s license. Also, some agents may not know how and why this can be done or may just not wish to bother and for that reason will brush you off with a quick ‘no’. Let us assist. We know our stuff.

Car insurance Stanwood

Can I simply purchase state minimum liability limits?

Bare minimum liability coverage is rarely advisable but it’s better than no insurance coverage at all, especially if you can’t afford more.

If you have no savings or assets, minimal liability insurance coverage might be adequate however it would not be enough to take care of serious injuries or to repair/replace a newer car or truck. Without adequate insurance, your future income might be garnished to cover the damages you create.

If you just are carrying the state-required $10,000 property damage and hit an auto worth say $20,000, the insurance provider will certainly pay the $10,000 however you will be responsible for the rest.

Basically, you are self-insuring for anything over the insurance coverage limits you have actually picked. If you don’t wish to have your income garnished or your assets sold off, seriously think about acquiring greater limits of liability.

May I drive a car I just purchased without insurance coverage?

You can’t lawfully drive a car without having insurance coverage. Even if you just now bought it. Washington state requires all autos driven on public roads to be properly insured. The fact that you just now bought the automobile does not alter the guideline.

Thankfully, if all your existing owned autos are covered by one insurance provider then the insurance coverage from those cars and trucks automatically transfers for a few days (talk to your insurance agent to find out exactly for how long).

If all your cars are not insured with a single insurance company, you will want to call your representative prior to driving off with the car. If you do not have insurance, you should call Mid-Columbia Insurance prior to driving off the lot

How do I review insurance quotes?

To review and discover the very best quote, you will need to consider 3 steps:

  1. Be sure you are requesting each insurer provide the very same coverages
  2. Be sure you have each insurer quote you with the same driving record
  3. Be sure you look at the company’s on-line reviews

It is really easy for an insurance company to have a lower price if they are giving reduced insurance coverage or are not including the very same tickets and crashes. Ensure that you’re receiving an accurate comparison. Select the exact same set of insurance coverages, limits, and deductibles and the same driving record for each and every quote you get.

After you’ve received several quotes, factor in the helpfulness of the representative you spoke to and how well they clarified things and if they suggested additional coverages. Then read the agency’s Google Reviews to ensure they meet your criteria.

Now you are ready to select the insurance company that is the very best suit for you and we hope it is us.

Automobile insurance Stanwood

Who can I add to drive my vehicle?

You should include everyone that habitually drives your vehicle onto your plan so there is no question of coverage if a crash happens. Everyone in your house or who has routine use of your car should likewise be listed because almost every insurance policy mandates you to divulge them and either add them as a driver or exclude them from policy coverage.

Where can I get the least expensive cars and truck insurance coverage

Sometimes the cheapest price is not the very best value. Are you getting the protection you need? Does the policy have coverages and exclusions that are satisfactory to you?

A basic way for an insurance company to have low rates is to deny every claim. Choose an insurance company with an excellent reputation and not an insurance company whose only advertising has to do with saving you 15% or saving those who change some fake dollar amount – you know it is a lie. They know it works.

If you are just looking for the most affordable price you have a number of alternatives:

  • Just purchase the protections you must have.
  • Get quotes from a variety of companies. Each insurance company weighs ranking aspects differently so prices can vary by hundreds of dollars. As an independent agency, Mid-Columbia Insurance automatically shops multiple companies for you.
  • Raise your deductibles.
  • Stop getting tickets like others collect Pokemon.

Is Washington a no-fault car insurance state?

Washington isn’t a no-fault insurance state. Washington is a pure comparative negligence state, meaning that all persons involved in an automobile crash may share some liability when determining compensation for damages. Comparative negligence may enable both the person at-fault as well as the other party to recoup settlement for loss if they are partially to blame for the car accident.
Automobile insurance Stanwood

When is really a good time to purchase insurance?

When you navigate significant life milestones you should really reassess your car insurance policy coverages and see if you qualify for better discounts. Here are times when your rates are most likely to adjust. If the change is significant, it may be time get a new quote.

  • Purchasing a house – You may now be in a new rating zip code and you might get the home owner’s discount and the bundling discount.
  • Marriage or Separation – Significant life change. May or may not change your rate
  • DUI or other significant offense – If your current insurer finds out, you will certainly be seeing a price hike at your next renewal.
  • Accident – You possibly will forfeit your Safe Driver Discount even if the wreck was not-at-fault.
  • Adding or taking off a driver from your plan – could either raise or reduce your rate depending upon their age and also driving MVR.
  • Adding a teenage driver – Teens are three times as prone to have a wreck, so consider yourself lucky if your insurance premium just doubles.
  • Update of your credit history – if it significantly improves, ask your insurer if they can have your credit history re-ordered.
  • Acquiring a car or truck – the insurance company that had the lowest rate for your old vehicle might not be best with the new car.
  • Relocating – every postal code has a different rate and every insurance company has different variables for those postal codes.

Do you need vehicle insurance to get a driver license

You don’t require automobile insurance to obtain your Washington driver’s license yet when you take the driving test, you need to show to the trainer proof that the vehicle you are planning to use is insured.

So, if the car belongs to another person, you can just show the owner’s insurance to the examiner. Just make sure, for your safety and security and the car or truck owner’s, that their insurance will cover you as a vehicle driver.

What are you waiting for?

Mid-Columbia Insurance works with insurers like Dairyland, Progressive, Safeco, National General, Kemper Specialty, Bristol West, Foremost, The General, as well as other insurers that millions have come to know and count on.

Also, due to the number of companies we represent, we can insure most cars and also most drivers even if they are considered a risky driver. Despite your driving history, if it is good, bad, or horible, we can insure you.

What are you waiting on? Call us today at ( 509 )783-5600 or Request A Quote right here to get your cost-free automobile insurance quote.

Auto insurance Stanwood

Testimonials & Referrals

5 Star Review Completely helpful in all the questions I asked were answered. If I didn’t already have insurance comparable I would of switched. I stayed with my insurance company even though im paying a couple of $$ more. Great customer service.
Kathleen Cullen

5 Star Review Gary gave me a very good insurance rate
Barb Kelly

5 Star Review We’ve been with Mid-Columbia for years and are very satisfied. Daisy is awesome and always gets us the best rates and coverage, fast and easy..👍
Charles Salter

About Stanwood

Stanwood is a city in Snohomish County, Washington, United States. The city is located 50 miles (80 km) north of Seattle, at the mouth of the Stillaguamish River near Camano Island. As of the 2010 census, its population is 6,231.

Stanwood was founded in 1866 as Centerville, adopting its current name in 1877 after the arrival of postmaster Daniel O. Pearson. It was platted in 1889 and incorporated as a city in 1903. The city was bypassed by the Great Northern Railway, which built a depot one mile (1.6 km) east that grew into its own separate town, incorporated in 1922 as East Stanwood. The two Stanwoods were civic rivals for several decades, until their governments were consolidated after a 1960 referendum was approved by voters.

The city was historically home to several food processing plants, which were its largest employers, and was mainly populated by Scandinavians. Since the 1990s, Stanwood has grown into a bedroom community for Seattle and Everett and has annexed uphill areas that were developed into suburban subdivisions. Stanwood is primarily served by State Route 532, which connects Camano Island to Interstate 5, and also has a train station that opened in 2009.

Source: Stanwood, Washington in Wikipedia

Best Car Dealerships Near Stanwood

Mission Motors
5 reviews
Used Car Dealers
+13609392617
9922 WA-532, Stanwood, WA 98292
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Simple Car Company
4 reviews
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+13606756555
33490 State Route 20, Oak Harbor, WA 98277
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+13606530405
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Top Places to See Near Stanwood

Shima Japanese Restaurant
118 reviews
Sushi Bars, Japanese
+13606297799
10007 270th St NW, Stanwood, WA 98292
Taqueria MI Cocina
92 reviews
Mexican
+13609268364
9913 State Rt 532, Stanwood, WA 98292
Jimmy’s Pizza & Pasta
198 reviews
Pizza, Pasta Shops
+13606296565
9819 State Rte 532, Stanwood, WA 98292
Farmers Cafe
152 reviews
Cafes, American (Traditional), Breakfast & Brunch
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26710 72nd Ave NW, Stanwood, WA 98292